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    <h2 id="heading">
        <a href="../home.aspx">World Trade Bank</a> > <a href="home.aspx">Retirement</a>
        > Flexi Protect</h2>
    <h6 style="font-family: 'TheSansCdRegular','Lucida Grande','Lucida Sans Unicode', Helvetica, Arial, sans-serif;
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        Flexi Protect
    </h6>
    <p style="font-family: 'Oxygen', Arial; font-size: 18px; color: black">
        The future can't be predicted but it can be protected. With the changing phases
        of life, you might have to change your financial plans and divert from your dreams.
        Flexi Protect is a protection driven regular premium investment-linked policy to
        help you take charge of your life, achieve your multiple goals, and secure the future
        for your family.
    </p>
    <img src="Images/flexiProtect.png" style="float: right; width: 100%; margin-top: 10px;
        margin-bottom: 30px;" />
    <br />
    <p style="font-family: 'Oxygen', Arial; font-weight: bold; font-size: 20px">
        Benefits</p>
    <ul>
        <li>Offers coverage against Death, Terminal Illness1(TI), Total and Permanent Disability<sup>1</sup>(TPD).
            <br />
        </li>
        <li>Flexible coverage that you can adjust to changing needs:
            <ul>
                <li>Provides coverage of up to 250 times the annual premium and the choice to vary<sup>2</sup>
                    your insurance protection to meet your changing priorities.</li>
                <li>Increase your insurance protection at 3 life stage events (getting married, having
                    a baby or adopting a child) without the need for medical assessment<sup>3</sup>.</li>
                <li>Towards the retirement years of your life, redirect all your premiums to investments
                    by reducing your coverage to zero<sup>4</sup> when investment opportunities become
                    a priority.</li>
            </ul>
        </li>
        <li>No Lapse Privilege<sup>5</sup> benefit that protects your policy from lapsing within
            the first 5 years.</li>
        <li>Flexibility and control over your investment<sup>6</sup>:
            <ul>
                <li>Ad-hoc investment top-ups</li>
                <li>Unlimited free fund switches</li>
                <li>Auto portfolio rebalancing</li>
                <li>Partial withdrawals</li>
            </ul>
        </li>
        <li>Option of comprehensive critical illness coverage with the Critical Care Complete
            Rider<sup>7</sup>.</li>
    </ul>
    <br />
    <p style="font-family: 'Oxygen', Arial; font-weight: bold; font-size: 20px">
        How to Apply</p>
    <ul>
        <li>Telling us your preferred date/time, and our Relationship Manager will contact you
            shortly
            <br />
            <asp:ImageButton ID="btn_makeAppointment" runat="server" ImageUrl="~/Retirement/Images/make_appointment.png"
                OnClick="btn_makeAppointment_Click" />
        </li>
        <li>Visiting any of our branches</li>
      <%--  <li>If you had met our representative and has been approved to apply for Flexi Protect, you may download this <a href="premiumTopUp.aspx" style="color:#B40404">FlexiProtect Application Form</a> and <a href="javascript:window.open('applicationFormUpload.aspx','uploadWin', 'top=200,left=400,height=200,width=400, toolbar=no, menubar=no, scrollbars=no, resizable=no,location=no, directories=no, status=no')" style="color:#B40404">Upload </a>here.</li>--%>
    </ul>
    <br />
    <p style="font-size: x-small; color: Gray">
        <sup>1</sup> Coverage against TI and TPD is up to the policy anniversary immediately
        after the 65th birthday of the Life Insured. The Policy Owner cannot claim for both
        TI and TPD.
        <br />
        <br />
        <sup>2</sup> The Policy Sum Insured (SI) may be varied at the next month anniversary
        during the Policy term, subject to the minimum (5 times of annual premium) and maximum
        (up to 250 times of annual premium subject to the sustainability of the Account
        Value projected at the rate of investment return of 8% per annum) SI requirement.
        For increase in Policy SI other than the 3 covered life stage events, the increase
        amount is subject to underwriting approval. The increase in SI is subject to the
        maximum entry age allowable at the point of application.
        <br />
        <br />
        <sup>3</sup> The Policy Owner may request for an increase in Policy SI (subject
        to limits), subject to Terms and Conditions contained in the Policy Contract. The
        life stage event has to occur before the Policy Anniversary on which the Life Insured
        will attain the age of 51.
        <br />
        <br />
        <sup>4</sup> The Policy SI may be reduced to zero:
        <br />
        (a) on or after the Policy Anniversary immediately after the 55th birthday of the
        Life Insured; or
        <br />
        (b) after the Policy Owner has paid the regular premiums for at least 10 years (excluding
        Premium Holiday) from the Policy Effective Date; whichever is later.
        <br />
        Thereafter, the Policy Owner can apply to increase the SI from zero; subject to
        underwriting approval and the request must be made before the Life Insured reaches
        the maximum entry age allowed under the Policy.
        <br />
        <br />
        <sup>5</sup> Your Policy will not lapse even if the Account Value is insufficient
        to pay for all applicable fees and charges. The No Lapse Privilege is applicable
        subject to satisfying Terms and Conditions contained in the Policy Contract.
        <br />
        <br />
        <sup>6</sup> Terms and conditions apply.
        <br />
        <br />
        <sup>7</sup> The list of covered critical illnesses, medical conditions and procedures
        as well as further information on the Critical Care Complete Rider can be found
        in the Product Summary.
    </p>
    <br />

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